Credit card debt is high, is it legal for intermediary to help cross the bridge to apply for mortgage?

This is illegal, because if your debt is too high, you can't apply.

If your debt ratio is too high, both credit card application and loan application will be affected. You can reduce the debt ratio by increasing income or reducing debt.

Bridge loan is in a legal gray area. If the loan contract is not bound to a specific purpose, or it is marked that it cannot be used for equity or asset acquisition, then bridge loan is legal. From the practice of commercial bank bridge loan, the basic legal relationship of this business is still the legal relationship of loan contract, and the subordinate legal relationship-guarantee legal relationship formed on this basis.